| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID FEINSTEIN3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | EMBLEMHEALTH | $74K | — | $74K | 3.83% |
| JOHN H BLASCH3 Filed as: JOHN H. BLASCH | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE HMO, INC. | $29K | — | $29K | 1.87% |
| LISA PECONE3 | 116 REDFERN DRIVE CARY, NC 27518 | OXFORD HEALTH INSURANCE, INC. | $56K | — | $56K | 3.68% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $17K | $17K | 1.11% |
| DAVID FEINSTEIN3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | EMBLEMHEALTH | $42K | — | $42K | 3.49% |
| FAGE BENEFITS SOLUTIONS LLC3 | PARKWAY PLAZA II 30 UNDERCLIFF AVENUE ELMSFORD, NY 10523 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $29K | — | $29K | 5.16% |
| DAVID FEINSTEIN3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | EMBLEMHEALTH | $4K | — | $4K | 3.84% |
| FAGE BENEFITS SOLUTIONS LLC3 | PARKWAY PLAZA II 30 UNDERCLIFF AVENUE ELMSFORD, NY 10523 | SOLSTICE HEALTH INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIOSCURI ADMINISTRATOR INC. EIN 11-3048631 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 604921 BAYSIDE, NY 11360 | $114K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 3 SURREY LANE HEMPSTEAD, NY 11550 | $15K |
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 201 OLD COUNTRY ROAD SUITE 202 MELVILLE, NY 11747 | $13K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 440 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | EMBLEMHEALTH | 178 | $6.9M |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 112 | $25K |
| Vision | SOLSTICE HEALTH INSURANCE COMPANY | 112 | $25K |
| Other | EMBLEMHEALTH | 5 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.